I was just curious as to what some of you think.. I've seen many of you post that it doesn't matter if you call on the appointment or for the product, as they both work. Since 98% of my day will be on the phone, do you guys think it would be beneficial to go for a product in one block of time, appointments the next, repeat.. Or does it not matter?

I dont start production until Nov.1st BTW, just passed 66..2-15 next..

It isn't about "what works" but I think more about what works BEST. Also, the truth of the matter is, no matter how hard/dilligent some folks have been in the past, they've failed regardless. That's just our business, the way it is. This ain't easy, it's not for everyone, not even for some.... The chosen/lucky/hardworking few wind up making it.

Absolutely, and without dispute, the vast majority of reps in this business currently, made it on the phone, using product. And the most effective product has been tax free bonds.